Ntfn Mortgage Rates, Fees & Info
LEWISVILLE, TXLEI: 549300ZMO1A0DHCESP30
Tax ID: 75-2725402
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Mortgage Data
Review & Overview
Ntfn is a smaller mortgage company specializing in Home Purchase loans. Ntfn has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Charleston, Lake Charles, Columbia, and San Antonio among others. We have data for 103 markets. (Some data included below & more in-depth data is available with an active subscription.)Ntfn has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ntfn is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.92% | 12/16/24 |
| 30 Year Conventional Refi | 6.65% | 12/16/24 |
| 30 Year Cash-out Refi | 6.93% | 12/16/24 |
| 30 Year FHA Purchase | 7.67% | 12/16/24 |
| 30 Year FHA Refi | 6.27% | 12/16/24 |
| 30 Year VA Purchase | 6.51% | 12/16/24 |
| 30 Year VA Refi | 6.27% | 12/16/24 |
| 30 Year USDA Purchase | 7.01% | 12/16/24 |
| 15 Year Conventional Purchase | 6.50% | 12/16/24 |
| 15 Year Conventional Refi | 6.40% | 12/16/24 |
| 15 Year Cash-out Refi | 6.40% | 12/16/24 |
| 15 Year FHA Purchase | 5.68% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Ntfn Mortgage Calculator
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This is not an official calculator from Ntfn. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,788Origination Dollar Volume (All Markets)
$492,290,000Awards
NTFN - 2022
NTFN is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 301 | $110,745,000 | $367,924 | $8,500 | 5.20% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 304 | $82,460,000 | $271,250 | $7,990 | 4.37% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 142 | $30,480,000 | $214,648 | $6,146 | 4.90% |
| COLUMBIA, SC (FHA|USDA|VA) | 142 | $26,670,000 | $187,817 | $6,959 | 4.10% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 89 | $25,895,000 | $290,955 | $7,935 | 4.99% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 69 | $25,855,000 | $374,710 | $8,083 | 4.77% |
| COLUMBUS, OH (FHA|USDA|VA) | 84 | $18,630,000 | $221,786 | $7,439 | 5.63% |
| Arcadia, FL (FHA|USDA|VA) | 68 | $15,950,000 | $234,559 | $8,738 | 5.03% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 43 | $14,635,000 | $340,349 | $7,889 | 4.96% |
| Outside of Metro Areas | 61 | $12,075,000 | $197,951 | $7,133 | 4.77% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 31 | $11,735,000 | $378,548 | $3,714 | 4.66% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 36 | $11,320,000 | $314,444 | $6,324 | 5.16% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 29 | $9,205,000 | $317,414 | $4,819 | 4.93% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 31 | $8,435,000 | $272,097 | $4,489 | 5.11% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 29 | $7,495,000 | $258,448 | $8,174 | 4.60% |
| Lufkin, TX (FHA|USDA|VA) | 31 | $6,865,000 | $221,452 | $7,207 | 5.58% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 18 | $6,000,000 | $333,333 | $4,344 | 5.20% |
| DeRidder, LA (FHA|USDA|VA) | 21 | $5,105,000 | $243,095 | $6,786 | 4.79% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 23 | $5,075,000 | $220,652 | $9,903 | 3.86% |
| Wauchula, FL (FHA|USDA|VA) | 16 | $3,360,000 | $210,000 | $9,000 | 4.91% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 15 | $3,215,000 | $214,333 | $7,600 | 5.04% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 11 | $2,985,000 | $271,364 | $4,850 | 5.58% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 11 | $2,575,000 | $234,091 | $6,796 | 5.32% |
| Jennings, LA (FHA|USDA|VA) | 10 | $2,540,000 | $254,000 | $7,666 | 4.51% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 11 | $1,645,000 | $149,545 | $7,036 | 4.33% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $5,672 | 4.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $7,464 | 4.52% |
| Orangeburg, SC (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $6,997 | 4.04% |
| Athens, TX (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $6,878 | 5.47% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 8 | $1,310,000 | $163,750 | $6,824 | 4.73% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $8,391 | 5.83% |
| Shawnee, OK (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $5,197 | 3.94% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $5,315 | 6.69% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $15,242 | 5.31% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $7,845 | 5.25% |
| WACO, TX (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $11,474 | 3.81% |
| SUMTER, SC (FHA|USDA|VA) | 7 | $955,000 | $136,429 | $7,340 | 3.68% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $3,729 | 5.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $9,883 | 5.33% |
| Granbury, TX (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $9,313 | 5.79% |
| Nacogdoches, TX (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $8,922 | 5.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $8,738 | 5.71% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $5,988 | 3.53% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,398 | 6.58% |
| Marion, OH (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $7,242 | 5.28% |
| LAFAYETTE, LA (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $5,454 | 5.28% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $6,156 | 5.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $7,542 | 4.13% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,031 | 5.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,705 | 4.29% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $10,467 | 4.94% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,585 | 5.56% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $13,275 | 5.63% |
| FLORENCE, SC (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $4,460 | 2.35% |
| Jacksonville, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $11,415 | 4.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,919 | 5.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,565 | 6.78% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,878 | 2.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,723 | 4.31% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 6.13% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,817 | 3.25% |
| AKRON, OH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,884 | 6.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.13% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,280 | 5.50% |
| Taos, NM (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,049 | 8.00% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,225 | 4.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,031 | 5.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,282 | 5.75% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,509 | 4.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $15,987 | 5.75% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,856 | 3.75% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,938 | 4.00% |
| Urbana, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,649 | 4.25% |
| McAlester, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,520 | 5.63% |
| Chillicothe, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $9,318 | 4.44% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,214 | 2.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,992 | 5.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,896 | 5.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,165 | 5.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,289 | 5.88% |
| Fort Polk South, LA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,394 | 5.88% |
| Kinston, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,460 | 5.38% |
| Malvern, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,068 | 6.38% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,585 | 5.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,469 | 6.75% |
| Rockport, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,606 | 4.50% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,197 | 3.75% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,122 | 8.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,658 | 4.13% |
| Sanford, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,383 | 3.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,689 | 4.00% |
| LIMA, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,602 | 6.38% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,647 | 7.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,968 | 3.38% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,972 | 5.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,897 | 6.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,817 | 5.63% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,207 | 3.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,553 | 5.63% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,234 | 6.13% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against NTFN based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Ntfn's most frequently originated type of loan was Conventional, with 1,144 originations. Their 2nd most popular type was FHA, with 387 originations.
Loan Reason
For 2022, Ntfn's most frequently cited loan purpose was Home Purchase, with 1,573 originations. The 2nd most popular reason was Cash Out Refi, with 126 originations.
Loan Duration/Length
For 2022, Ntfn's most frequently cited loan duration was 30 Year, with 1,652 originations. The 2nd most popular length was 10 Year, with 60 originations.
Origination Fees/Closing Costs
Ntfn's average total fees were $7,507, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 549 originations.
Interest Rates
During 2022, Ntfn's average interest rate for loans was 5.11%, while their most frequently originated rate bucket for loans was 5-6%, with 597 originations.
Loan Sizing
2022 saw Ntfn place emphasis on $200k-400k loans with 963 originations, totaling $273,185,000 in origination value.
Applicant Income
Ntfn lent most frequently to those with incomes in the $50k-75k range, with 508 originations. The second most popular income band? $100k-150k, with 374 originations.
Applicant Debt to Income Ratio
Ntfn lent most frequently to those with DTI ratios of 30-36%, with 297 originations. The next most common DTI ratio? 20-30%, with 236 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications66.05%
Ntfn has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination62.75%
Ntfn has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,788 | $492,290,000 | $275,330 |